Can I retire at age 52 with 747,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $747,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$61,687$61,137$60,601$60,078$59,567$58,316
2 years$30,538$29,969$29,418$28,884$28,365$27,111
3 years$20,156$19,585$19,035$18,506$17,996$16,778
4 years$14,967$14,397$13,853$13,333$12,835$11,662
5 years$11,854$11,288$10,750$10,241$9,757$8,632
6 years$9,779$9,217$8,688$8,190$7,720$6,645
7 years$8,298$7,741$7,220$6,733$6,279$5,253
8 years$7,187$6,635$6,123$5,648$5,209$4,233
9 years$6,324$5,777$5,274$4,811$4,387$3,459
10 years$5,634$5,092$4,598$4,147$3,738$2,858
11 years$5,069$4,533$4,048$3,609$3,214$2,382
12 years$4,599$4,069$3,592$3,166$2,786$1,998
13 years$4,202$3,677$3,209$2,795$2,429$1,686
14 years$3,862$3,342$2,884$2,481$2,129$1,429
15 years$3,567$3,053$2,604$2,213$1,875$1,216
16 years$3,309$2,801$2,361$1,981$1,657$1,037
17 years$3,082$2,580$2,148$1,780$1,469$888
18 years$2,881$2,384$1,961$1,604$1,306$761
19 years$2,701$2,209$1,795$1,450$1,164$654
20 years$2,539$2,053$1,647$1,313$1,040$563
21 years$2,392$1,912$1,515$1,191$931$485
22 years$2,260$1,785$1,397$1,083$834$418
23 years$2,139$1,670$1,289$987$749$361
24 years$2,028$1,564$1,193$900$673$312
25 years$1,926$1,468$1,105$822$606$270
26 years$1,832$1,380$1,024$751$546$233
27 years$1,745$1,298$951$688$492$202
28 years$1,665$1,224$884$630$444$175
29 years$1,590$1,154$823$578$401$152
30 years$1,521$1,090$767$530$362$132
31 years$1,456$1,030$715$487$327$114
32 years$1,395$975$667$448$296$99
33 years$1,338$923$623$412$268$86
34 years$1,284$875$582$379$243$74
35 years$1,234$830$544$349$220$65
36 years$1,186$788$509$321$199$56
37 years$1,142$748$476$296$180$49
38 years$1,099$711$446$273$164$42
39 years$1,059$676$418$251$148$37
40 years$1,021$643$392$232$135$32
41 years$985$612$367$214$122$28
42 years$951$583$344$197$111$24
43 years$919$556$323$182$101$21
44 years$888$530$303$168$91$18
45 years$858$505$285$155$83$16
46 years$830$482$268$144$75$14
47 years$803$460$251$133$68$12
48 years$777$439$236$123$62$10
49 years$753$419$222$113$56$9
50 years$729$400$209$105$51$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $747,000, adding $4,553 every year, while hoping to spend $49,637 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 54/26/20 Blend
51$747,000$747,000$747,000$747,000
52$827,890$788,299$776,721$867,860
53$859,522$774,113$749,928$881,561
54$892,716$757,567$720,573$890,858
55$927,580$738,495$688,519$899,906
56$964,230$716,718$653,622$908,695
57$1,002,793$692,048$615,729$917,218
58$1,043,405$664,286$574,684$925,470
59$1,086,218$633,221$530,321$933,449
60$1,131,393$598,631$482,468$941,156
61$1,179,109$560,278$430,944$948,595
62$1,229,560$517,913$375,563$955,774
63$1,282,958$471,274$316,127$962,708
64$1,339,534$420,080$252,432$969,416
65$1,399,541$364,039$184,262$975,924
66$1,463,255$302,837$111,396$982,265
67$1,530,978$236,147$33,598$988,481
68$1,603,040$163,621$0$994,624
69$1,679,803$84,892$0$1,011,305
70$1,761,664$0$0$1,036,387
71$1,849,057$0$0$1,062,964
72$1,942,456$0$0$1,117,366
73$2,042,382$0$0$1,175,616
74$2,149,408$0$0$1,238,052
75$2,264,159$0$0$1,305,047
76$2,387,324$0$0$1,377,007
77$2,519,656$0$0$1,454,380
78$2,661,985$0$0$1,537,659
79$2,815,218$0$0$1,627,383
80$2,980,355$0$0$1,724,144
81$3,158,493$0$0$1,828,594
82$3,350,837$0$0$1,941,448
83$3,558,709$0$0$2,063,493
84$3,783,567$0$0$2,195,593
85$4,027,009$0$0$2,338,699
86$4,290,794$0$0$2,493,855
87$4,576,856$0$0$2,662,209
88$4,887,320$0$0$2,845,027
89$5,224,526$0$0$3,043,697
90$5,591,046$0$0$3,259,748
91$5,989,710$0$0$3,494,863
92$6,423,631$0$0$3,750,892
93$6,896,236$0$0$4,029,872
94$7,411,295$0$0$4,334,044
95$7,972,956$0$0$4,665,875
96$8,585,787$0$0$5,028,080
97$9,254,814$0$0$5,423,648
98$9,985,569$0$0$5,855,869
99$10,784,145$0$0$6,328,366
100$11,657,247$0$0$6,845,126